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This week on PROpulsion LIVE, Francois sits down with Wouter de Witt and Emile van der Spuy, Certified Financial Planners® and co-founders of Gravitas Tax.

With over 25 years of combined experience in retirement and tax planning, they’ve seen one thing repeatedly: advisers who ignore tax are leaving value on the table. That’s why they built Gravitas Tax, a powerful tool that gives advisers tax directive simulations to create clarity, confidence, and better outcomes for clients.

We’ll explore why tax directive simulations are becoming essential, how they work in practice, and what they mean for the future of holistic financial planning.

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#FinancialPlanning #TaxDirective #RetirementPlanning #HolisticAdvice #PROpulsio

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What does it take to stay relevant in a world that’s changing faster than ever?

In this episode of PROpulsion LIVE, I’m joined by Richard Mulholland – speaker, author, and founder of Missing Link and Too Many Robots. From touring with Iron Maiden to coaching leaders across the globe, Rich has spent his career helping people and businesses stay relentlessly relevant.

We explore:

- Why relevance is today’s biggest challenge (and opportunity)

- How AI changes the game for advisers and business owners

- Richard’s three principles to avoid irrelevance

- The power of storyselling in sales and client communication

- Red team vs blue team thinking for the future

This conversation is packed with bold insights, practical takeaways, and a bit of mischief too.

👉 Watch now to learn how you can explore new ways of thinking, selling, and leading to stay relevant in 2025 and beyond.

🔗 Resources mentioned: https://getrich.af/linkfarm
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ASCEND SUMMIT TICKETS:
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📊 Take the Professional Practice 10.0 Scorecard
🎯 https://www.propulsion.co.za/scoreyt

📘 Get the Financial Advisor Playbook
• Physical Book: https://www.takealot.com/the-financia...
• Digital Copy on Amazon: https://www.amazon.com/dp/B0D8BL2CGH

🌐 Learn more about PROpulsion and Becoming a member:
👉 https://www.propulsion.co.za/community

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Living annuities are one of the most popular retirement income products in South Africa – but they come with strict rules that are often misunderstood.

In this episode of PROpulsion LIVE, we sit down with Lize de la Harpe, Senior Legal Advisor at Sanlam Corporate, to explore what you can and can’t do with a living annuity. From income drawdowns and commutation rules to divorce settlements and beneficiary nominations, Lize unpacks the complexities in plain language and clears up common misconceptions.

This is a must-watch for financial advisers and planners who want to give their clients the right guidance when it matters most.

📌 What we cover:

👉 How income drawdowns really work (and why they can only be changed once a year)

👉 The conditions under which a living annuity can be commuted

👉 Why the capital can’t be claimed in divorce proceedings

👉 The impact of the Montanari judgment and recent PFA amendments

👉 What advisers should know about beneficiary nominations

Join us as we explore the fine print behind one of the most important retirement planning tools.

Also in this episode:

• FPI Current Affairs
• Build with AI
• Quick Announcements
• Featured Guest


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Succession planning has become one of the most important — and most difficult — conversations in the financial advice profession.

In this episode of PROpulsion LIVE, we welcome Jaco van Tonder, Advisor Services Director at Ninety One, to explore the realities of succession planning for independent financial advisers (IFAs).

Jaco has been in financial services since 1999 and now leads Advisor Services in South Africa at Ninety One. With years of experience in sales, distribution, and product development, he brings a deep understanding of how advice businesses evolve — and what makes them thrive or stumble when it comes to succession.

We’ll discuss:
• Why succession is such a hot topic for IFAs.
• The main succession models available — and their pros and cons.
• Why internal, organic succession is so hard to pull off.
• What drives the wide differences in valuations of advice firms.
• The real obstacles to funding mergers, acquisitions, and buy-outs.

If you own or run an advice business, this is a conversation you can’t afford to miss. Whether you’re five years from retirement or just starting out, now is the time to explore your options and prepare your firm for the future.

👉 Don’t miss new episodes every Friday at 8 AM (SAST). Subscribe to PROpulsion LIVE for fresh insights, expert guests, and practical ideas for building a thriving advice business.

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This week on PROpulsion LIVE, Francois sits down with Ettienne Wilsnagh, a seasoned financial services professional with 31 years of experience — from advisor to franchise owner and business leader.

Ettienne shares his journey from starting in the life industry straight out of school, to running one of Old Mutual’s most successful franchises, and now turning his attention to guiding the next generation of advisers.

We explore:
👉 The lessons he learnt along the way
👉 Why many new advisers are struggling
👉 The success factors that truly matter
👉 His advice for anyone starting in the profession today

If you’re a financial adviser, planner, or practice owner looking for honest insights and real stories from someone who has walked the path, this conversation is for you.

🔔 Subscribe to PROpulsion LIVE for weekly conversations about building and running a thriving advice business.

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ADMIN AND SUPPORT SURVEY:
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📊 Take the Professional Practice 10.0 Scorecard
🎯 https://www.propulsion.co.za/scoreyt

📘 Get the Financial Advisor Playbook
• Physical Book: https://www.takealot.com/the-financia...
• Digital Copy on Amazon: https://www.amazon.com/dp/B0D8BL2CGH

🌐 Learn more about PROpulsion and Becoming a member:
👉 https://www.propulsion.co.za/community

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AI is changing financial advice, but are you using it responsibly in your practice?

In this episode of **PROpulsion LIVE**, Francois du Toit explores how advisers and planners can bring AI into their businesses without putting clients, or compliance, at risk.

We’ll look at:

✅ Why responsible AI matters for advice firms

✅ The biggest risks: bias, data breaches, and explainability gaps

✅ How the *FPI Code of Ethics* provides a clear guide for AI use

✅ The *Crawl–Walk–Run* approach to adopting AI responsibly

✅ What “good” looks like in practice: real examples you can apply today

With new guidance from the *FSCA* on cloud computing and data offshoring , financial advisers in South Africa face stricter rules than ever before. Uploading client data into tools like ChatGPT is risky, and may soon be outright non-compliant. But that doesn’t mean you can’t benefit from AI. From drafting blogs to summarising client meetings, there are plenty of safe ways to start.

This episode is about building a client-centred, ethical approach that strengthens trust while helping you work smarter.

🔔 Subscribe to PROpulsion LIVE for more insights on financial planning, practice management, and the future of advice.

💬 What’s one low-risk way you’ll test AI in your practice this month? Share your thoughts in the comments!
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• Physical Book: https://www.takealot.com/the-financia...
• Digital Copy on Amazon:

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What if just a few lessons could shift the entire trajectory of your business and personal growth?

In this episode of PROpulsion LIVE, Francois du Toit shares the 7 most impactful, game-changing lessons he’s learned on his journey — from growing a business to navigating personal challenges and finding alignment along the way.

These aren’t generic platitudes. They’re real-world, tested insights that have helped Francois make better decisions, create meaningful progress, and stay focused on what matters most.

Whether you're:

Building a financial planning business,

Growing as a leader in your practice,

Or simply reflecting on your next chapter…

…this episode is for you.

🗣️ Join the conversation
Which of the 7 lessons resonates with you the most? Drop it in the comments — we’d love to hear from you.

🔔 Like, Subscribe, and turn on notifications to stay inspired and future-fit.

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ADMIN AND SUPPORT SURVEY:
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TAXSPACE WEBINAR:
https://us02web.zoom.us/webinar/regis...

📊 Take the Professional Practice 10.0 Scorecard
🎯 https://www.propulsion.co.za/scoreyt

📘 Get the Financial Advisor Playbook
• Physical Book: https://www.takealot.com/the-financia...
• Digital Copy on Amazon: https://www.amazon.com/dp/B0D8BL2CGH

🌐 Learn more about PROpulsion and Becoming a member:
👉 https://www.propulsion.co.za/community

Send us a text

AI is changing everything. But what if the real risks are not in what it does, but in what we fail to notice?

In this solo episode of PROpulsion LIVE, Francois looks at the long-term risks of AI adoption for financial planners, advice firms, and the people they serve. From privacy erosion to job displacement, and from over-reliance on tech to the collapse of trust, this conversation highlights what is really at stake.

With 2025 themed around “Explore,” this episode is not about fear, it is about awareness, responsibility, and choosing to shape a better future before it shapes us.

If you are using AI (or planning to), this is one episode you cannot afford to miss.

Let’s explore, ask better questions, and make smarter choices, together.